Debt consolidation
Combine credit cards, car loans and personal loans into your home loan, with an honest look at the long-term cost.
Rolling higher-interest debts into your home loan can cut your monthly repayments significantly. But spreading a car loan over 30 years can also mean paying more interest in total, so it has to be done carefully.
Ram shows you both numbers: the monthly saving and the long-term cost. Then he helps you set up the loan so the consolidated debt is paid off faster, for example with a separate split and higher repayments.
Who this suits
- Homeowners with credit card or personal loan balances
- Borrowers with several repayments due at different times
What Ram helps with
- Calculating the true saving and long-term cost
- Structuring a separate split to clear the consolidated debt faster
- Closing old accounts at settlement
Documents to have ready
You don't need everything for the first chat, but having these handy speeds things up.
- Statements for every debt being consolidated
- Home loan statements
- Income documents
Questions about debt consolidation
The refinance application involves a credit enquiry. Paying off and closing cards can help over time. We'll talk through timing so there are no surprises.
Guides on debt consolidation
Related loans
Talk it through with Ram
A free, no-obligation conversation about where you are now and what you're planning. No credit check, no pressure.